Elevate Your Business With Smart Capital

Pre-qualification tells us which program fits your business before you apply:

• Takes 3 minutes — no credit inquiry, no harm to your credit score, no SSN
• We review your answers and call you to talk about your options
• We then email you the exact list of documents you need — so you only apply once, the right way

Both are SBA programs, used for different needs:

• SBA 7(a): working capital and business real estate — up to $5 million
• SBA 7(a) terms: 10 years, or up to 25 years when real estate is involved
• SBA 504: real estate and equipment — up to $5.5 million, terms up to 25 years
• SBA 504 equipment must have a 10-year life expectancy (usually manufacturing equipment)

For our 1-25 Year Business Loan Programs:

• No bankruptcies or foreclosures in the past 24 months
• Minimum FICO score 650 and at least 2 years in business

Rates by program:

• 1-25 Year Business Loans: 5-Year US Treasury Bill + 9.5%
• SBA 7(a): Current Prime + 3% variable rate
• SBA 504: Current Prime + 3% variable rate
• 12 Year Business Loan Program: rates start at 19.99%
• Business Line of Credit: average 6% to 14%